3) Head out early.

Since items sell out quickly, we recommend you start fairly early in the morning. If you need to deposit cash, make a withdrawal or pay a loan before heading out, take advantage of an Interactive Teller, opening at 7 a.m. Find the closest ITM location: https://www.bankwithsouthern.com/home/itms.html.

This year, celebrate Black Friday with the best deals of all: free Kasasa checking and free mobile banking. Visit www.BankWithSouthern.com to find the best rewards for you.

All Kasasa Accounts • $100 minimum to open account. For personal accounts only. One account per social security number. Domestic ATM fees incurred during monthly qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our facilities. ATM-processed transactions do not count towards qualifying check card transactions. Transactions may take one or more banking days from transactions date was made to post and settle the account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 if qualifications are met within monthly qualification cycle. Accounts are available to Missouri and Arkansas residents only. Effective October 2017. Kasasa, Kasasa Cash Back, Kasasa Cash, and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash Back

When qualifications are met, you will receive 4% cash back on check card purchases up to $200 in total check card purchases during the monthly qualification cycle or total cash back of $8 per monthly qualification cycle. The cash back rewards will be credited to your account on the last day of your statement cycle. Qualifying transactions must post to and settle account during monthly qualification cycle.

Kasasa Cash

*APY = Annual Percentage Yield. APY’s accurate as of October 1, 2017, rates may change at any time. If qualifications are met each monthly qualification cycle, balances up to $15,000 receive APY of 3.01% and balances over $15,000 earn 0.15% APY on a portion of the balances over $15,000, resulting in 3.01% - 0.48% APY depending upon balance. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle account during monthly qualification cycle.

Kasasa Tunes

When qualifications are met, you will be refunded up to $9.90 for iTunes, Amazon or Google Play purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $9.90 in refunds of iTunes, Amazon or Google Play purchases if qualifications are met during previous monthly qualifications cycle. Purchases must be made with check card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon. com, Inc. and Google, Inc. [is / are] not participants in or sponsors of this program.

** Southern Bank provides mobile banking as a free service to our Online Banking customers, however, web access is needed to use our mobile banking product. Your mobile communications carrier may charge you for web access. Please check with your service provider for specific fees and charges. To be eligible for Mobile Deposit, the customer must meet all of the following requirements: be an active customer of Southern Bank for a minimum of 90 days; be currently enrolled in online banking; have no more than three return deposit items within the last three months; have the Southern Bank mobile app installed on his/her mobile device.